1993 Oldsmobile Cutlass Supreme Insurance Quotes

Finding the most affordable auto insurance on the internet can be impossible for consumers not familiar with buying insurance online. With so many choices of online companies available, how can anyone effectively compare every company to locate the cheapest rates?

It is always a good idea to check auto insurance prices yearly because rates trend upward over time. Even if you think you had the best price for Cutlass Supreme insurance two years ago you will most likely find a better rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the best ways to buy cheaper auto insurance.

Don’t miss these discounts

The price of auto insurance can be rather high, but there are discounts available to help offset the cost. Larger premium reductions will be automatically applied at quote time, but some must be inquired about before they will apply.

  • Discounts for Safe Drivers – Insureds without accidents may receive a discount up to 45% less for Cutlass Supreme insurance than drivers with accident claims.
  • Club Memberships – Affiliation with certain professional organizations may earn a discount when buying car insurance for Cutlass Supreme insurance.
  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less compared to insuring an older model.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same car insurance policy may reduce the rate for each vehicle.
  • Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in school.

As a disclaimer on discounts, most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will help reduce the amount you have to pay.

For a list of insurance companies offering car insurance discounts, follow this link.

Why your Oldsmobile Cutlass Supreme insurance rates may be high

It’s important that you understand the factors that go into determining insurance coverage rates. Knowing what determines base rates enables informed choices that could result in much lower annual insurance costs.

Listed below are a few of the “ingredients” insurance coverage companies consider when setting premiums.

  • Claim-free discounts can add up – If you file claims often, you can definitely plan on either policy cancellation or increased premiums. Auto insurance companies provide better rates to drivers who do not file claims often. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
  • Low deductibles can be expensive – Deductibles for physical damage represent how much money you are willing to pay out-of-pocket if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply are colliding with a building, damage from fire, and windstorm damage. The higher the amount you are required to pay out-of-pocket, the less your insurance coverage will be for Cutlass Supreme insurance.
  • Extra add-on coverages are wasting money – There are many additional coverages you can purchase on your Cutlass Supreme policy. Things like vanishing deductibles, better glass coverage and term life insurance are examples of these. These may sound like a good investment when you first buy your policy, but if they’re wasting money remove them from your policy.
  • Your spouse saves you money – Being married actually saves money on your insurance coverage policy. Marriage usually means you are more mature than a single person and statistics show drivers who are married are more cautious.
  • Men pay higher rates – Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. They both are in accidents at a similar rate, but the men have costlier accidents. Men also statistically receive more costly citations like DUI and reckless driving. Youthful male drivers are the most expensive to insure and thus pay the highest rates.
  • Where do you drive? – The higher the mileage driven each year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based on their usage. Vehicles used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your insurance coverage declarations sheet shows the correct usage for each vehicle. Incorrect usage on your Cutlass Supreme can result in significantly higher rates.
  • Tickets mean higher rates – Only having one moving violation can boost insurance rates forty percent or more. Careful drivers have lower premiums than their less careful counterparts. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.

When might I need help?

When buying coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.

  • Is a blown tire covered by insurance?
  • Am I missing any policy discounts?
  • Does my medical payments coverage pay my health insurance deductible?
  • What is PIP insurance?
  • Can I get a multi-policy discount?
  • Why am I required to buy high-risk coverage?
  • Exactly who is provided coverage by my policy?
  • Do I need replacement cost coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, complete this form.

Auto insurance coverage specifics

Understanding the coverages of a auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for expenses for things like chiropractic care, ambulance fees, surgery, prosthetic devices and rehabilitation expenses. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability car insurance

Liability insurance can cover damage or injury you incur to other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like medical expenses, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Collision protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, sideswiping another vehicle, crashing into a building, driving through your garage door and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Oldsmobile Cutlass Supreme.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like falling objects, damage from a tornado or hurricane, hitting a bird and hail damage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Do the work, save more money

Drivers leave their current company for many reasons like extreme rates for teen drivers, high prices, lack of trust in their agent or poor customer service. It doesn’t matter why you want to switch choosing a new insurance company is easier than you think.

When shopping online for insurance, it’s not a good idea to buy less coverage just to save a little money. In many instances, someone sacrificed liability limits or collision coverage only to discover later they didn’t have enough coverage. Your aim should be to purchase plenty of coverage for the lowest price while still protecting your assets.

In this article, we covered many ways to reduce 1993 Oldsmobile Cutlass Supreme insurance prices online. The key thing to remember is the more you quote, the higher the chance of saving money. You may even discover the lowest rates come from some of the lesser-known companies.

Additional insurance information is located on the following sites: